{"status":200,"message":"Success","data":{"id":"5d4e6979-6e03-5364-b5a6-bf5b8bf5a134","title":"LendAL (State Small Business Credit Initiative)","identifiers":{"systemId":{"registry":{"code":"opp:opengrants:system","url":"https://opengrants.io/common-grants/registries/opp-opengrants-system.json"},"id":"f9965b4c-6b82-48e6-b566-173f351da25a"},"otherIds":{"opp:opengrants:program":{"registry":{"code":"opp:opengrants:program","url":"https://opengrants.io/common-grants/registries/opp-opengrants-program.json"},"id":"al:innovate-lendal-small-business-credit"}}},"status":{"value":"custom","customValue":"Confirm with agency","description":"Varies — check official page"},"description":"LendAL uses federal State Small Business Credit Initiative funds to share risk with private lenders so small businesses can get credit. Through approved banks, credit unions and loan funds, eligible borrowers can receive credit enhancements when loan proceeds are spent in Alabama, making approval more likely. Innovate Alabama administers more than $97 million in SSBCI funds across LendAL and its separate equity program.","funding":{"details":"Varies — check official page"},"funders":{"primary":{"id":"7979e2db-902e-5aef-8d04-ec7f9e82944d","name":"Innovate Alabama","identifiers":{"otherIds":{"org:opengrants:funder":{"registry":{"code":"org:opengrants:funder","url":"https://opengrants.io/common-grants/registries/org-opengrants-funder.json"},"id":"3824116a-9888-47bb-ba80-0c43979d8445","allIds":[{"id":"3824116a-9888-47bb-ba80-0c43979d8445","status":"active"}]},"org:us:al:agency":{"registry":{"code":"org:us:al:agency","url":"https://opengrants.io/common-grants/registries/org-us-al-agency.json"},"id":"Innovate Alabama"}}}}},"keyDates":{"otherDates":{"cycle":{"name":"Application cycle","eventType":"other","details":"Ongoing through approved lenders"}}},"acceptedApplicantTypes":[{"value":"for_profit_small_business","description":"Business"},{"value":"for_profit_not_small_business","description":"Business"}],"source":"https://innovatealabama.org/programs/ssbci/","customFields":{"contactInfo":{"name":"contactInfo","fieldType":"object","value":{"name":"Charlie Pond","email":"ssbci-lendal@innovatealabama.org"},"description":"Program contact","schema":"https://commongrants.org/custom-fields/contactInfo"},"eligibilityCriteria":{"name":"eligibilityCriteria","fieldType":"object","value":{"details":"Small businesses that are Alabama-located (headquartered in Alabama or with founders who live in Alabama) and will spend the loan proceeds in Alabama. Small businesses headquartered in Alabama or with founders living in Alabama, borrowing through an approved lender."},"description":"Who is eligible, in the funder's words","schema":"https://commongrants.org/custom-fields/eligibilityCriteria"},"additionalInfo":{"name":"additionalInfo","fieldType":"object","value":{"url":"https://innovatealabama.org/programs/","description":"Innovate Alabama grants page"},"description":"Where the agency publishes its programs","schema":"https://commongrants.org/custom-fields/additionalInfo"},"fundingInstrument":{"name":"fundingInstrument","fieldType":"string","value":"loan","description":"grant, loan, grant+loan, tax credit, rebate, in-kind or other","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"fundingSource":{"name":"fundingSource","fieldType":"string","value":"Federal","description":"State, Federal, Federal and State, or Other","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"lastSyncedAt":{"name":"lastSyncedAt","fieldType":"string","value":"2026-11-09T06:03:59Z","description":"When the OpenGrants record data behind this opportunity was last refreshed (UTC)","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"stateCode":{"name":"stateCode","fieldType":"string","value":"AL","description":"USPS code of the state whose agency offers this funding","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyKey":{"name":"agencyKey","fieldType":"string","value":"innovate","description":"Portal key of the administering agency","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyAbbrev":{"name":"agencyAbbrev","fieldType":"string","value":"Innovate Alabama","description":"Administering agency abbreviation","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyUrl":{"name":"agencyUrl","fieldType":"string","value":"https://innovatealabama.org/","description":"Administering agency website","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"categories":{"name":"categories","fieldType":"array","value":["Housing, Community and Economic Development"],"description":"Portal categories","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"applicantTypes":{"name":"applicantTypes","fieldType":"array","value":["Business"],"description":"Portal applicant types","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"applicantTypesNotes":{"name":"applicantTypesNotes","fieldType":"string","value":"Small businesses headquartered in Alabama or with founders living in Alabama, borrowing through an approved lender.","description":"Notes on who may apply","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"purpose":{"name":"purpose","fieldType":"string","value":"Credit enhancements that help Alabama small businesses obtain bank loans.","description":"One-line purpose","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"geography":{"name":"geography","fieldType":"string","value":"Alabama","description":"Geographic limits within the state","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"fundingSourceNotes":{"name":"fundingSourceNotes","fieldType":"string","value":"U.S. Department of the Treasury State Small Business Credit Initiative.","description":"Notes on the source of funds","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"estimatedAmounts":{"name":"estimatedAmounts","fieldType":"string","value":"Varies — check official page","description":"Estimated award amounts, as published","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"howToApply":{"name":"howToApply","fieldType":"string","value":"Pass-through: apply for a loan with one of the approved LendAL lenders listed on the program page; 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